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  1. funkeemunkee's Avatar
    funkeemunkee
    funkeemunkee is offline 4G4C4D
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    May 25th, 2014 09:07 AM #1
    Ergo, all OFWs are expats, but not all expats are OFWs.😄


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  2. ozcity's Avatar
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    ozcity is offline Tsikot Member Rank 4
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    May 25th, 2014 10:29 AM #2
    so what type of visa ang hawak ng mga expat?

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  3. confused shoes's Avatar
    confused shoes
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    May 25th, 2014 11:28 AM #3
    Quote Originally Posted by ozcity View Post
    so what type of visa ang hawak ng mga expat?

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    As long as you are working, kahit ano pa ang tawag sa yo. Kelangan may "working" visa ka.
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  4. chua_riwap's Avatar
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    May 25th, 2014 01:54 PM #4
    sa saudi nga tawag sa amin hindi expat.....TCN.

    Third Country Nationals.

    kalinya ng sri lanka, bangladesh, india & other south asian nations.


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  5. marjako27
    marjako27 is offline Verified Tsikot Member
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    May 25th, 2014 02:33 PM #5
    ditto sa south korea, pag wala ka ng visa, tawag samin "artista"
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  6. ozcity's Avatar
    ozcity
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    May 26th, 2014 11:39 AM #6
    one of my friend went back to PH....he made a deal with his company....he can do his job online...so nasa pinas na sya ngayon at sumusweldo ng dolyar...FTW!..i thinks his getting around $1k+ per week
    ginawa nya nag hire sya ng 2 tao to do his job..another FTW!

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    Last edited by ozcity; May 26th, 2014 at 11:42 AM.
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  7. yebo's Avatar
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    May 26th, 2014 11:56 AM #7
    Quote Originally Posted by CVT View Post


    ?..maraming ipon dito?

    Sa AUS,- maraming utang?


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    Depends on the perpective, some people say utang is savings in advance. Utang is money you have now for buying things today that you can save for tomorrow (or 10-20 years later). Madami ako savings hahahaha!
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  8. badkuk
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    May 26th, 2014 12:33 PM #8
    Quote Originally Posted by yebo View Post
    Depends on the perpective, some people say utang is savings in advance. Utang is money you have now for buying things today that you can save for tomorrow (or 10-20 years later). Madami ako savings hahahaha!

    Utang is savings only if you don't have to pay for it(or the interest for that matter) later :D

    Utang is good only if you manage to invest and get more money out of it.
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    May 26th, 2014 09:00 PM #9
    Quote Originally Posted by badkuk View Post
    Utang is savings only if you don't have to pay for it(or the interest for that matter) later :D

    Utang is good only if you manage to invest and get more money out of it.
    Borrowing to invest is dangerous. The only time it makes sense is if you can lock in a low interest rate, lower than what the expected market return is for the same time period as the loan. That's quite rare though.

    Borrowing to fund a business is more sensible, but again, if you can't turn a profit before the loan is up, you'll be buried in debt through interest payments.


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    confused shoes
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    May 26th, 2014 09:09 PM #10
    ^ Loan, dyan bumabagsak ang mga returning OFW. Akala hindi binabayaran ang loan.
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    May 26th, 2014 10:47 PM #11
    Bumabagsak lang yung umuutang ng di kayang bayaran. Ano ba diperensiya ng umuutang na ofw at umuutang na local based pinoy? Parehas naman silang kumikita ng pera.

    Yes, kaya nga ako umutang ng bahay kasi mababa interest rate ngayon. Compare mo yung housing loan rate na 24% in year 1990s to the present 6.25% di mo ba sasamantalahin, ofw ka man o hindi?
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    jut703
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    May 26th, 2014 11:14 PM #12
    Marami rin kasing OFW na kulang sa financial literacy. Actually pinoys in general, but OFWs are more vulnerable because they earn more so mas kailangan na marunong sila magmanage ng pera nila.

    I'm happy seeing a lot of people who have made it their advocacy to spread financial literacy to anyone willing to listen.


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    May 26th, 2014 11:41 PM #13
    OT: speaking of utang, dami kong kasama na umutang dito sa 30 na umutang 10 ang tumakbo di na bumalik.

    san na ba yung mga ka mini EB ko na expat na sila Rollyic at donski?
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    May 27th, 2014 09:16 AM #14
    Funny thing parang napaka degrading on his part to be called as an OFW pero ang totoo OFW naman talaga. Matter of semantics lang.

    Mas sosyal and bigtime sounding ba kung expat?

    Dati nga OCW pa tawag diba?

    Even dito samin as long as you work abroad no matter if blue collar/white collar lahat kayo OFW.



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  15. shadow's Avatar
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    May 27th, 2014 09:56 AM #15
    Hinde! Diplomat ako!!! Tax free Mga kotse ko!!! Ano cheap? Expat or OFW? :rofl:


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    #retzing
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    May 27th, 2014 02:29 PM #16
    Haha, diplomat! Dami sideline na pwede dyan! Pera padala na lang kita ka na.

    Basta ako slave labor pa din hangang ngayon. Utos ko gawa ko din, everyday pa din nagdadasal na sana wala masira mga ugok na driller! Buset!
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    ozcity
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    May 27th, 2014 02:29 PM #17
    e pag immigrant then bumalik sya ng ph dala nya trabaho kung baga he will do it online..tapos dollar sahod nya...expat?

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    May 28th, 2014 09:16 AM #18
    Quote Originally Posted by ozcity View Post
    e pag immigrant then bumalik sya ng ph dala nya trabaho kung baga he will do it online..tapos dollar sahod nya...expat?

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    Hindi expat tawag diyan,- SARAP!...


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  19. Sarsi's Avatar
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    May 28th, 2014 11:16 AM #19
    Amp, ako hindi ofw, hindi rin expat, hindi rin diplomat, wala nga ako trabaho, tambay lang.

    Magkano ba sweldo pag ofw? 20k? Pag expat, sumusweldo ba 300k? Kaya naman kitain dito yan, magtayo ka MLM

    Nagtatanong lang, never kasi ako nakaranas maging ofw or expat, lalo na maging diplomat hehe


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    May 28th, 2014 12:17 PM #20
    Quote Originally Posted by Sarsi View Post
    Amp, ako hindi ofw, hindi rin expat, hindi rin diplomat, wala nga ako trabaho, tambay lang.

    Magkano ba sweldo pag ofw? 20k? Pag expat, sumusweldo ba 300k? Kaya naman kitain dito yan, magtayo ka MLM

    Nagtatanong lang, never kasi ako nakaranas maging ofw or expat, lalo na maging diplomat hehe


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    Iyan bro ang mahiwagang abilidad!....

    Hindi lahat ng tao,- pinagpalang may ganyan....


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What they don't tell you about the OFW life